Last thing first - - never understood why so many dislike commercial financing, as it operates to ensure you get a cash flow - - that's what the DSCR indicates. 

Understood, My plan is to initially House hack, I live in NYC and a duplex here will be $2mil +++, 

I'm from the Capital Region and went to school at RPI in Troy, currently work at an engineering start up in Delaware county.I've been trying to invest in Troy, NY for the past few years and almost made a few foolish purchases before I really understood the underlying strategies and how to run the numbers on an investment property.

You do not have a custodian in the 401K, at least I thought I understood.  

They understood that I was gun shy to enter into a contract because of what I had been experiencing prior.

Despite the fact he was in India, he had excellent speaking and reading comprehension skills, understood the problem, and claimed he was going to go get the document from the "Seller Review Team"

I did all the math by hand to make sure I understood it, then I tried plugging all the same data into the rental calculator on BiggerPockets (fortunately I got the same results in both cases).

I Couldn't find a solid answer I fully understood so was wondering if anyone here knew.

I'm not sure if I understood it fully though. 

Granted, I didn't do TONS of homework on it but from what I saw, the mechanics of how it worked for funding REIs appeared to be pretty much like I've always understood that it worked for anything else.